Impacto de pago de las indemnizaciones por el terremoto de 16 de abril del 2016 en los resultados de las empresas aseguradoras en la ciudad de Guayaquil.

Abstract

The present investigation sought to analyze the impact of the insurers of the city of Guayaquil in the financial statements due to the payment of compensation for the earthquake of April 16, 2016. It is established that most of the insurers of the city Of Guayaquil maintained higher levels of impact due tothe seismic event due to the payment of insurance to its customers. It is established that insurance is a contract that serves to protect the possessions of people. The research design relied on a mixed approach that was developed under the descriptive and analytical methods, data collection was performed under the survey techniques and the documentary interview also analyzed the financial information of insurance companies like Chubb Seguros Ecuador SA, QBE Colonial, Seguros Sucre S.A., Seguros Equinoccial and AIG Metropolitana. In analyzing the financial information detailed companies could demonstrate that companies have maintained good liquidity and profitability for its shareholders in the past year, although they are insurers who paid the highest compensation show that the sector insurance remains a good market behavior. It was proposed to identify alternatives to help mitigate the impact of the payment of compensation of 16 April 2016, it was found that itis not advisable for companies to maintain liquid assets and investment in the stock market is a viable option to increase the available resources that companies have to deal with situations such as occurred in 2016. it is established that the main markets for these actions are the American and French, but this responsibility lies with the managers of the companies, so which must make an adequate management plan for making successful decisions to meet organizational objectives.